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Metro 2 cross-bureau check
We compare your three reports against the exact Metro 2 labels, machine codes, and fields each account is supposed to carry. Every mismatch becomes a specific target we can attack.
OPENING SOON · EARLY ACCESS
Find every error.
A clearer way to understand your credit reports and prepare your next steps.
Join the waitlist today. When the app launches, you can create a free account and receive your first credit-report analysis at no cost.
19,000+
CYCLES PROCESSED
94%
ROUND-2 RESOLUTION
3 BUREAU REPORT ANALYSIS6 TRADELINES
METRO 2 ANALYSIS · CONSUMER FILE 7821
0 / 6 TRADELINESBUREAUFURNISHER · ACCTTYPEBALANCESTATUSSCAN
·
TUMidland Credit Mgmt
4471-XXXX-2289
·
EXPortfolio Recovery
PR-9930-8841
·
EQJPMCB Card
4147-XXXX-0083
·
TUNavient Solutions
NAV-7740-3318
·
EXCapital One Auto
CAP-AUT-0091
·
TUDiscover Bank
6011-XXXX-2104
VIOLATIONS
00
CLEAN
00
NEXT ACTION
SCANNING…
HOW IT WORKSYou provide your reports…
You provide your reports…
The AI does the rest.
Drag in your Equifax, Experian, and TransUnion files. From that point on, the engine reads every tradeline and compares them against the exact Metro 2 Standard labels, machine codes, and fields each furnisher is supposed to carry — and writes a unique letter for each violation it finds. No two letters collide. The bureau’s own automated template filter passes them through automatically. Combined with our proprietary bureau-system engagement payloads encrypted and encoded into each letter, you can’t lose. Almost like cheating, beating them at their own game.
Click a cycle to see the analysis the AI engine drafted for each bureau, including our proprietary engagement payloads encoded into the letter. Each ships with a uniqueness score and a filter-pass indicator — the proof it isn’t a template.
LIKELIHOOD OF DELETION · CYCLE 01 · TRANSUNION
UNIQ 0.94FILTER · PASS
HIGH DELETION POTENTIAL
Bureau-to-bureau date conflicts and stale duplicates reporting the same obligation twice. Severity: high. Conflicting records force the bureau pipeline to reconcile or remove.
PIPELINE HYPERTRACK CODE
2
accounts with errors
92%
chance of full deletion
6%
chance of correction instead
TOKEN FINGERPRINT
e-OSCAR ENGAGEMENT PAYLOAD
Note: codes for internal use only.
WHAT’S INCLUDED
Everything you need. Nothing you don’t.
Built for how the bureau systems actually handle disputes — not generic form letters.
▲
Multiple targeted cycles, not one-shot.
Every disputed item moves on its own track — initial dispute, follow-up, CFPB / state-AG escalation. The system advances on what the bureaus say back.
+
Not templates. Not even close.
Every letter is generated from your specific report data — the exact accounts, fields, and code mismatches found. No two letters ever look alike or resemble the templates the bureaus’ filters are tuned to reject.
DRAFTING · WATCH THE ENGINE WORK
The errors get addressed in the bureau’s own language.
Each flag from the cross-bureau scan becomes an attack statement the bureau’s own pipeline is built to act on.
Field mismatch? The letter cites Field, names the conflicting codes, and quotes the exact section and subparagraph of the relevant statute. Field collision? Same pattern. Every error gets an attack statement tied to the exact Metro 2 label, machine codes, fields, and statute the bureau’s investigation system works from — so their internal system files the dispute correctly instead of bouncing it.
Per-flag attack statement
1:1
Metro 2 label cited
EXACT
Machine codes
ALWAYS
Filter pass rate
99.4%
letters/cycle-01/L3_transunion.txtAUTOSAVE · WAITING
HOW IT COMPARES
The point where others hit the wall.
Every credit-repair “expert” or influencer with almost any software can remove an easy medical collection or an old expired account. Almost none can remove a legitimate student loan, an auto-loan charge-off, a bankruptcy, or a child-support judgment. That is where the real line is. That is where we outperform them all.
WHAT THEY CLAIM
WHAT ACTUALLY HAPPENS
WHAT HAPPENS HERE
WHAT THEY CLAIM“Metro 2 letters”
WHAT ACTUALLY HAPPENSThe phrase “Metro 2” sprinkled into a template letter.
WHAT HAPPENS HEREEvery letter names the actual Metro 2 labels the bureaus’ own systems already track.
WHAT THEY CLAIM“Unlimited disputes”
WHAT ACTUALLY HAPPENSThe same template, every month, until the filter flags your file as frivolous.
WHAT HAPPENS HEREFresh cycle-specific drafts the filter does not recognize, written from your own account data.
WHAT THEY CLAIM“Removes collections”
WHAT ACTUALLY HAPPENSWorks on easy medical collections. Stops at anything harder.
WHAT HAPPENS HERECollections, charge-offs, repossessions, foreclosures, student loans, child support, judgments, bankruptcies.
WHAT THEY CLAIM“AI-powered”
WHAT ACTUALLY HAPPENSA general-purpose chatbot writing generic letters.
WHAT HAPPENS HEREAn AI built and trained by ex-bureau employees on how the real bureau pipeline behaves.
WHAT THEY CLAIM“Credit sweeps — even tough items deleted in 4 days”
WHAT ACTUALLY HAPPENSFiles a fake identity-theft report. The deletions show up fast — and so does the federal felony exposure for the client. Items return weeks later when the bureaus catch on.
WHAT HAPPENS HEREFully legal Metro 2 attacks, every line traceable to the exact statute and code mismatch in your own report.
WHAT THE NUMBERS LOOK LIKE
The score moves. So do the things that actually cost you money.
An average client lands a Good-tier FICO inside two quarters — and stops paying the fair-credit tax on every car loan, mortgage, and revolving line they touch.
The orb is one client’s actual cycle history — Marcus E., 547 → 718 over six rounds. The metrics below are the medians across everyone running CHAI today.
FICO 8
718
GOOD
▲ +171 pts · 6 cycles
ACCOUNT ERRORS FOUND19avg per bureau report
AVG ITEMS REMOVED11across 3 bureaus
DAYS TO 1ST DELETION38from first cycle
CYCLES TO FULL CLEANUP3avg completion
PRICING
Start free. Choose a plan later.
At launch, signup and your first credit-report analysis are free. Paid plans are available when you need ongoing support.
CHAI
$59/ month
Your AI-drafted dispute letters, every 30 days, with certified-mail tracking.
- +Full cross-bureau analysis
- +AI-drafted letters, cited to statute
- +Multi-cycle tracking and history
- +Encrypted at rest with full audit log
CHAI+RECOMMENDED
$99/ month
The full experience for people serious about cleaning their reports.
- +Everything in CHAI
- +Premium review and education layer
- +Priority worker queue
- +Priority support
CHAI Agency
$299/ month
Multi-seat console and a client roster for solo consultants and small teams.
- +Everything in CHAI+
- +Multi-seat staff accounts
- +Client list across your team
- +Agency-scoped audit log
CHAI Agency ProWHITELABEL
$499/ month
Your logo. Your clients. Our drafting engine.
- +Everything in CHAI Agency
- +Full whitelabeling — your brand end to end
- +Custom domain and email sender
- +Dedicated onboarding
WHY THIS COSTS MORE
Why this costs more than the $9 and $19 apps
The cheap ones are cheap because of what they don't do. A few fancy-looking letters sent to a few places, and you are on your own after that. We write the full package — every letter the account and situation actually require, to every party that needs one, with step-by-step instructions for what to do next. You are not paying for letters. You are paying for results — and for the countless hours of R&D behind every one of them.
OPENING SOON
Start with a free first look.
Join the waitlist now. When Credit Hack AI opens, you can create a free account and get your first credit-report analysis at no cost.